Transfer account systems, computer program products, and associated computer-implemented methods
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United States of America Patent
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Nov 8, 2011
Grant Date -
Jun 25, 2009
app pub date -
Dec 18, 2008
filing date -
Dec 21, 2007
priority date (Note) -
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status (Latency Note)
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Abstract
Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of automatic or direct deposits. Embodiments of the present invention include routing automatic deposit information to a financial institution computer managing a prioritized payment program and formulating an outgoing ACH file with both an entry for an automatic deposit destined for a customer account and an entry for a pre-authorized prioritized payment to a select creditor, so that the automatic deposit is credited to the customer account and relatively instantaneously any prioritized payment is debited from the customer account. According to embodiments of the present invention, the customer account can be a prepaid card account so that a customer has effective access on the prepaid card only to a net value of funds.
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